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Note that a hand of three or more cards totaling 21 is not considered a blackjack. The player may "double down," meaning that the player doubles his or her current bet and receives one and only one additional card. On the initial deal, if the dealer's up card is an Ace, the player is offered "insurance. If the player buys insurance and the dealer has blackjack, the player is paid 2 to 1 on this side bet. An additional card is dealt to the hand. Once the dealer busts or stands, each split hand is individually compared to the dealer's to determine a win, loss or push for the player.

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